412 D St, Waterford, CA 95386 Property Records

Stanislaus County property record for 412 D St, Waterford, CA 95386

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,065 sqft · built 1930
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Dec 2020)
Tax Bill	$3,992 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134-010-033-000`

Property Details

APN / Parcel Number

Primary APN	`134-010-033-000`
Alternative APNs	`1341033000` `1341033`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,065 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Wood
Lot Area	11,761 sqft (0.27 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	412 D ST
City	WATERFORD
State	CA
Zip	95386-8813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATERFORD
Legal Block	2
Legal Lot Number	23-25
Jurisdiction	STANISLAUS CA
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2017
Census Tract	2801

Owner

412 D St is owned and occupied by two individuals who bought it in December 2020.

Source: Stanislaus County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	412 D ST, WATERFORD, CA 95386-8813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Grant Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Sep 27, 2017	Grant Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Mar 6, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2020 · Amount on File
Deed Sale	Dec 10, 2020 · Amount on File
Prior Sale	Sep 27, 2017 · Amount on File
Deed Document Number	2020102545
Prior Transfer Date	Mar 2, 2017
Prior Transfer Doc	0000015716
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Dec 10, 2020
Property Address	412 D ST, WATERFORD, CA 95386-8813
Document Number	0000102545
Map Reference	MB 1 PG 31
Instrument Date	Nov 19, 2020
Instrument	2020-0102545
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 D ST, WATERFORD, CA 95386-8813

Mortgage

Document Number	0000102546
Date	Dec 10, 2020
Instrument	2020-0102546

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	STANISLAUS CA
Recording Date	Sep 27, 2017
Property Address	412 D ST, WATERFORD, CA 95386-8813
Document Number	0000070968
Map Reference	VOL1 PG31
Instrument Date	Sep 22, 2017
Instrument	2017-0070968
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	412 D ST, WATERFORD, CA 95386-8813

Mortgage

Document Number	0000070969
Date	Sep 27, 2017
Instrument	2017-0070969

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	STANISLAUS CA
Recording Date	Mar 6, 2017
Property Address	412 D ST, WATERFORD, CA 95386-8813
Document Number	0000015716
Instrument Date	Feb 23, 2017
Instrument	15716
Transaction Type	Foreclosure
Record Updated	Mar 15, 2017

Transaction

Amount	Amount on Record
Tax	$143.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	572 EUCALYPTUS AVE OAKDALE CA 953612510, OAKDALE, CA 95361-2510

Tax Assessment & Valuation

The 2026 property tax bill for 412 D St was $3,992, up 1.4% from the year before.

Source: Stanislaus County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Stanislaus County
Municipality	Waterford City
Unified School District	Waterford Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,992.00 (+1.45%)	$331,223 (+2%) Land $143,530 Building $187,693
2025	$3,935.00	$324,729 Land $140,716 Building $184,013
2023	$3,777.00 (+1.56%)	$312,120 Land $135,252 Building $176,868
2022	$3,719.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 412 D St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 23, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 412 D St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WATERFORD serves 8,788 people · EPA ID CA5010006
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	MODESTO IRRIGATION DISTRICT
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Ayera Technologies Fixed Wireless	1,000 / 500
unWired Broadband Fixed Wireless	400 / 50
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ezWave, Verizon.

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